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Active

Active·83 days on market

2954 Ravines Road

Middleburg, FL 32068

$479,000$136/sqftEst. $2,442/moMLS# 2143237

Beds

Baths

3,532

Sq Ft

1980

Built

—

Garage

Pool

About this home

Middleburg

If you are looking for a Large Lot on a Wooded Nature Lot where you'll constantly see DEER & TURKEYS, And looking for a Non New Construction Home, Charming from the moment you enter the Home with 16 Foot Beamed Ceilings you'll feel like you're in a Mountain Lodge with a Massive Stone Fireplace, THIS IS THE HOME FOR YOU, 24 Hour GATED Security Guard for Access, This Custom Home was the Original Real Estate Center they Sold The Ravines out of, My Buyer bought in 2006 & spent a Small Fortune turning it into a Custom Dream Home with 4 Bedrooms, 3 Bathrooms, Home Office with 2 Additional Large Rooms upstairs, With Uupdated Roof in 2018, Home has the ENTIRE PARKING LOT & You can park 15-20 Cars.

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,442

Principal & Interest: $2,442

Property taxes (est.): $734

Insurance (est.): $319

Estimated Total Monthly

$3,496

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$2,442

Property taxesest. at asking price, Clay County$734

HOAbilled monthly$93

Estimated total, before insurance$3,269/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$469,589	$168,032	—
2024	$450,226	$162,589	—
2023	$449,232	$156,398	—
2022	$370,404	$150,387	—
2021	$297,702	$144,551	—
2020	$271,199	$141,865	—

Estimated taxes if purchased at asking price: ~$8,800/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,422 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

May 2, 2026Listed$479,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$479,000

Price / Sq Ft$136

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,532

Acres0.83 acres

Year Built1980

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address2954 Ravines Road, Middleburg, FL 32068

Area142-Middleburg East

SubdivisionThe Ravines

CityMiddleburg

CountyClay

StateFL

Zip Code32068

Lot Size36,154.8 sq ft

Parcel Number13052402138817815

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking, Circular Driveway, Parking Lot

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

SecurityGated with Guard, Smoke Detector(s)